XML 57 R40.htm IDEA: XBRL DOCUMENT
v3.25.0.1

Stock-Based Compensation Plans (Tables) | 12 Months Ended
--- | ---
Dec. 31, 2024
Share-Based Payment Arrangement, Noncash Expense [Abstract] |
Summary Of Restricted Stock Units Activity | A summary of the restricted stock unit (“RSU”) activity under the Incentive Plan for the year ended December 31, 2024, is presented below:
Restricted Stock Units |  | Number of Restricted Stock Units |  | Weighted Average Grant-Date Fair Value Per Share |  | Aggregate Intrinsic Value (2) (in millions) |  | Weighted Average Remaining Contractual Term (in years) |
Outstanding as of December 31, 2023 |  | 203,444 |  |  | $ | 179.13 |  |  |  |  |  |
Granted |  | 401,670 |  |  | 484.58 |  |  |  |  |  |
Converted |  | (68,503) |  |  | 181.30 |  |  |  |  |  |
Forfeited |  | (3,164) |  |  | 466.28 |  |  |  |  |  |
Outstanding as of December 31, 2024 (1) |  | 533,447 |  |  | $ | 407.15 |  |  | $ | 250.4 |  |  | 4.1 | (3)
Vested as of December 31, 2024 |  | 110,140 |  |  | $ | 113.85 |  |  | $ | 51.7 |  |  | 1.0 |
(1)No RSUs outstanding at December 31, 2024 were convertible to shares of common stock. (2)The intrinsic value of RSUs is measured by applying the closing stock price as of December 31, 2024 to the applicable number of units. (3)The calculation of weighted average remaining contractual term of RSUs outstanding excludes 98,497 RSUs that are to be settled in common stock on future dates that are currently not known, as they are contingent on the timing of the team members' retirement from the Company.
Schedule of Stock Options Roll Forward | A summary of the stock option activity under the Incentive Plan for the year ended December 31, 2024, is presented below:
Stock Options |  | Number of Stock Options |  | Weighted Average Exercise Price Per Share |  | Aggregate Intrinsic Value (1) (in millions) |  | Weighted Average Remaining Contractual Term (in years)
Outstanding as of December 31, 2023 |  | 655,200 |  |  | $ | 365.93 |  |  |  |  |
Exercised |  | (45,776) |  |  | 340.17 |  |  |  |  |
Forfeited |  | (3,958) |  |  | 366.45 |  |  |  |  |
Outstanding as of December 31, 2024 |  | 605,466 |  |  | $ | 367.88 |  |  | $ | 64.5 |  |  | 3.0
Exercisable as of December 31, 2024 |  | 537,342 |  |  | $ | 357.60 |  |  | $ | 61.6 |  |  | 2.8
Unvested as of December 31, 2024 |  | 68,124 |  |  | $ | 448.94 |  |  | $ | 2.9 |  |  | 4.6
(1)The intrinsic value of stock options is the amount by which the market price of the stock as of December 31, 2024 exceeded the exercise price of the options.
Schedule Of Stock Based Compensation Expense | Stock-based compensation expense consists of the following:
(In millions) | For the Years Ended December 31,
| 2024 |  | 2023 |  | 2022
Stock options | $ | 32.9 |  |  | $ | 33.5 |  |  | $ | 33.8 |
Restricted stock units | 12.1 |  |  | 5.6 |  |  | 2.7 |
Total | $ | 45.0 |  |  | $ | 39.1 |  |  | $ | 36.5 |
Schedule Of Future Share-Based Compensation Cost | We expect to recognize the remaining expense for stock-based awards outstanding as of December 31, 2024 over a weighted-average period of 4.3 years as follows:
(In millions) |  |  |  |  |  |  |  |
For the Years Ended December 31, |  | Restricted Stock Units |  | Stock Options |  |  |  | Total Projected Expense
2025 |  | $ | 33.2 |  |  | $ | 5.0 |  |  |  |  | $ | 38.2 |
2026 |  | 29.5 |  |  | 1.2 |  |  |  |  | 30.7 |
2027 |  | 23.6 |  |  | — |  |  |  |  | 23.6 |
2028 |  | 19.7 |  |  | — |  |  |  |  | 19.7 |
2029 |  | 17.2 |  |  | — |  |  |  |  | 17.2 |
Thereafter |  | 71.7 |  |  | — |  |  |  |  | 71.7 |
Total |  | $ | 194.9 |  |  | $ | 6.2 |  |  |  |  | $ | 201.1 |

X
- Definition Schedule Of Compensation Cost For Share Based Payment Arrangements Expected Future Compensation Cost By Plan [Table Text Block] + References No definition available. + Details
Name: | cacc_ScheduleOfCompensationCostForShareBasedPaymentArrangementsExpectedFutureCompensationCostByPlanTableTextBlock
Namespace Prefix: | cacc_
Data Type: | dtr-types1:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of cost recognized for award under share-based payment arrangement by plan. Includes, but is not limited to, related tax benefit. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 718 -SubTopic 10 -Section 50 -Paragraph 2 -Subparagraph (h)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2 + Details
Name: | us-gaap_ScheduleOfCompensationCostForShareBasedPaymentArrangementsAllocationOfShareBasedCompensationCostsByPlanTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of the number and weighted-average grant date fair value for restricted stock units that were outstanding at the beginning and end of the year, and the number of restricted stock units that were granted, vested, or forfeited during the year. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 718 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 2 -Subparagraph (c)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2 + Details
Name: | us-gaap_ScheduleOfShareBasedCompensationRestrictedStockUnitsAwardActivityTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of the change in stock options. + References No definition available. + Details
Name: | us-gaap_ScheduleOfStockOptionsRollForwardTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_ShareBasedCompensationAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration